Sarah Tarraf moved her savings into segregated funds, an insurance product that protects a portion of the money against loss. But she didn't realize how high the fees were, and she's having second thoughts.

MoneySense, Julie CazzinJanuary 2015

"It's not the right choice for someone this young, she has the time horizon to weather the market's ups and downs, and can get better long-term returns at a much lower cost" says Certified Financial Planner, Vickie Campbell.